Hello, and thank you for reading! I am a husband, father, Marine, independent financial advisor, business manager, and sports fan. Your personal goals and dreams are important to me. We offer a comprehensive approach to customize your financial plan. Our vision is to help invest in your legacy!
It is a great honor to enjoy the following highlights:
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Schutte Financial provides trusted solutions for personal finances and wealth management, including custom planning, investments, and insurance. Credo means, “I believe.” Our credo as your advocate is to help achieve your goals by empowering you to believe in your heritage and invest in your legacy.
Daniel Schutte founded our firm upon earning his Series 7, Series 66, and Health & Life licenses. After training to be a financial advisor with a large company, he chose to become an independent Registered Investment Advisor in order to serve clients without pressure from commissions, quotas, or restricted investment and insurance options. While Dan has been conducting market research and studying wealth management for over 15 years, he now enjoys providing this service to our valued clients with both competence and care.
Dan has managed budgets up to $10 million for Visa, Inc. and previously served as a Marine Corps Intelligence & Operations Officer where he managed over $50 million in assets with the First Marine Headquarters Group. As a resident of Denver, Colorado, Dan is married to his wife, Sarah, and enjoys spending time making memories as a family.
Start investing in your legacy today at: SchutteFinancial.com
Master of Business Administration (MBA), American Military University
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Exchange Traded Funds (ETFs) are a great way to diversify risk while seeking long-term growth. Allocating your funds in a portfolio with a smart variety of ETFs can give you proper exposure to multiple types of investment goals. Contributing to a Roth IRA can be a smart way to avoid tax payments later, and investing the rest in an individual taxable account can give you flexibility for shorter-term goals.
Paying off debt is an admirable goal and should be attacked aggressively in most cases to keep it under control. However, it can actually be more advantageous long-term to balance debt interest with potential investment returns. As a rule of thumb, if historic returns from a reasonable investment are greater than the loan interest, investing first while paying the debit over the full term can be your best outcome.
Stocks pay dividends while bonds pay interest. Typically stocks are more volatile or risky than bonds and dividends for common stock are not guaranteed and can change. Either way, dividends usually come from value stocks compared to growth stocks, but can come with the tradeoff of less capital appreciation. If you are looking for consistent income, an ETF portfolio of corporate and government bonds may be a great balance of yields and stability.
Great job saving and looking to put your money to work! A great option is to move that savings into an appropriately balanced ETF portfolio in an Individual Taxable Account. This allows withdrawal flexibility while historically generating a better return than a checking or savings account.
Historically, you can get a much better return from an investment portfolio compared to the interest from the cash value in whole life policies. Based on your timeline to retirement, you may be able to afford a more aggressive yet reasonable strategy to help you catch up. I highly recommend a managed ETF portfolio.